Website Terms of Use
Effective Date: October 10, 2026
Website: leads.browninnovation.group
Website Operator: Brown Innovation Group LLC
Jurisdiction: Louisiana, United States
1. Acceptance of Terms
By accessing or using this website, submitting an insurance inquiry, or requesting contact with an independent insurance agent, you agree to these Terms of Use and acknowledge our Privacy Policy.
If you do not agree, please discontinue use of the website.
2. Nature of Services
Brown Innovation Group LLC operates an online technology platform through which consumers may request insurance information, seek quotations, and communicate with participating independent insurance agents.
Unless separately identified as a duly licensed insurance producer, the platform operator does not sell, solicit, negotiate, underwrite, issue, or bind insurance coverage.
Independent insurance agents and insurance companies are responsible for their respective licensed activities, product recommendations, applications, underwriting, and insurance transactions.
3. Insurance Requests and Quotations
Submitting an insurance request does not constitute an insurance application, approval, purchase, or binding of coverage.
Quotes and estimates are subject to verification, eligibility, underwriting, applicable state laws, insurer requirements, and final policy terms.
No insurance coverage becomes effective solely because a customer submits information through this website.
Customers must obtain confirmation of coverage from the appropriate licensed insurer or authorized insurance representative.
4. Customer Information
By submitting a request, you agree to provide accurate and current information.
You must not submit another person's personal information without appropriate authority or authorization.
You are responsible for reviewing information before submission and promptly correcting inaccuracies.
5. Independent Insurance Agents
Insurance agents participating in this platform are independent third parties unless expressly stated otherwise.
Each participating agent is responsible for maintaining applicable licenses and complying with insurance laws governing their activities.
The platform does not guarantee that every customer will qualify for insurance or receive an offer of coverage.
6. Communications
When you submit an inquiry, the assigned agent or appropriate service provider may contact you about your request in accordance with applicable laws and the permissions you provide.
Optional consent to receive promotional communications is governed by the separate communications consent presented on the request form.
You may withdraw marketing consent using the instructions provided in the communication.
Text message program. If you check the optional box for marketing calls and text messages on an agent's page, you will first receive a confirmation text and must reply YES before any other texts are sent. Texts come from Brown Innovation Group LLC on behalf of the independent licensed insurance agent named on that page, and each message names the agent. Message frequency varies. Message and data rates may apply. Reply STOP at any time to opt out, and reply HELP for help or contact us at leads@browninnovation.group. After you reply STOP you will get one confirmation and no more texts unless you reply START. Consent to text messages is not a condition of requesting a quote or purchasing insurance. Carriers are not liable for delayed or undelivered messages.
7. Privacy and Information Security
We collect, use, disclose, and protect personal information as described in our Privacy Policy.
Although we implement reasonable safeguards, no internet-based service can guarantee absolute security.
8. Prohibited Activities
You agree not to provide false information, interfere with website security, access another person's records without authorization, submit fraudulent insurance inquiries, or misuse the platform.
We reserve the right to restrict access when reasonably necessary to protect customers, agents, or the platform.
9. Intellectual Property
Website branding, graphics, software, content, and design belong to their respective owners and are protected by applicable intellectual property laws.
You may not reproduce or commercially exploit protected materials without authorization.
10. No Guarantee of Insurance
The website does not guarantee insurance availability, approval, specific premiums, savings, or coverage.
Insurance contracts, when issued, are governed by the terms and conditions of the issuing insurance company.
11. Disclaimer of Warranties
To the extent permitted by law, the website is provided on an "as available" basis without warranties concerning uninterrupted operation or the accuracy of third-party information.
Nothing in these Terms excludes obligations or protections that cannot lawfully be excluded.
12. Limitation of Liability
To the extent permitted by applicable law, Brown Innovation Group LLC is not responsible for underwriting decisions, insurance carrier determinations, or independent agents' professional conduct solely because those activities occur following a website referral.
Nothing in this provision limits liability that cannot legally be excluded.
13. Governing Law
These Terms are governed by applicable Louisiana law, without overriding mandatory consumer protection laws or other jurisdictional requirements.
14. Changes to Terms
We may revise these Terms from time to time. Material changes will be communicated when required by law.
15. Contact Information
Brown Innovation Group LLC
636 Cherry Street
Minden, Louisiana 71055
Email: leads@browninnovation.group